Each depositor insured to at least $250,000 per insured bank

Welcome to the Securities Exchange Act Filings System. This system, which is administered by the Federal Deposit Insurance Corporation (FDIC), contains two groups of securities disclosure filings:

Beneficial ownership report filings on Forms 3, 4, and 5 by directors, officers, and principal shareholders of depository institutions with a class of securities registered with the appropriate federal banking agency under the Securities Exchange Act of 1934 (Exchange Act); and

Other securities disclosure documents filed by or pertaining to FDIC-supervised depository institutions with a class of securities registered under the Exchange Act.

NOTICE TO USERS OF THE BENEFICIAL OWNERSHIP FILINGS SYSTEM

The Beneficial Ownership Filings System is presented by the FDIC, the Federal Reserve Board (FRB), and the Office of the Comptroller of the Currency (OCC). The information available to the public in this system was submitted by directors, officers, and principal shareholders of FDIC-insured depository institutions with a class of securities registered with the appropriate federal banking agency under the Exchange Act, as mandated by federal law. The Exchange Act, as amended by the Sarbanes-Oxley Act of 2002, requires the FDIC, the FRB, the the OCC to make these beneficial ownership reports available to the public on the Internet.

You are advised that beneficial ownership information is presented by the appropriate federal banking agency for the filer's institution in the same form as it was submitted. For public availability purposes, the FDIC, the FRB, and the OCC have not reviewed the information presented in these filings, and thus make no warranties or representations regarding its accuracy or sufficiency.

The Other Securities Exchange Act Filings System is presented by the FDIC. The information available to the public in this system includes periodic reports (e.g., annual reports on Form 10-K, quarterly reports on Form 10-Q, and current reports on Form 8-K), proxy soliciting material, and other securities disclosure documents submitted electronically by FDIC-supervised depository institutions and associated parties reporting to the FDIC under the Exchange Act. The Exchange Act requires the FDIC to make these securities disclosure filings available to the public.

You are advised that the other Securities Exchange Act information is presented by the FDIC in the same form as it was submitted. For public availability purposes, the FDIC has not reviewed the information presented in these filings prior to their submission, and thus makes no warranties or representations regarding its accuracy or sufficiency.

The Other Securities Exchange Act Filings system contains only information that has been electronically submitted to the FDIC by FDIC-supervised depository institutions and associated parties under the Exchange Act. Other Securities Exchange Act filings submitted on paper to the FDIC may be obtained by contacting the FDIC in writing at FDIC, Accounting and Securities Disclosure Section, 550 17th Street, NW, Washington, DC 20429, or by email at PublicBankReports@FDIC.gov.

NOTICE TO USERS OF THE SECURITIES EXCHANGE ACT FILINGS SYSTEM

The Securities Exchange Act filings described above will be reflected immediately on the FDIC's public website when submitted electronically during each business day from 8:00 AM until 10:00 PM Eastern Standard Time or Eastern Daylight Saving Time, whichever is currently in effect ("Eastern Time"). Business days include all days except Saturdays, Sundays, and federal holidays. All Securities Exchange Act filings not received during these hours on business days will be posted to the FDIC's public website at 8:00 AM Eastern Time on the following business day.